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Southern Missouri Bancorp, Inc.

Data quality: 100%
SMBC
NASDAQ Financial Services Banks - Regional
$62.44
▼ $0.72 (-1.14%)
Mkt Cap: 693.60M
Day Range
$62.20 $63.15
52-Week Range
$45.10 $66.56
Volume
38,095
50D / 200D Avg
$62.72 / $57.19
Prev Close
$63.16

Quick Summary

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (857 peers)

Metric Stock Sector Median
P/E 11.9 10.2
P/B 1.3 1.1
ROE % 11.3 11.7
Net Margin % 19.1 16.8
Rev Growth 5Y % 23.9 11.7
D/E 0.3 0.5

Analyst Price Target

Hold
$70.50 +12.9%
Low: $68.00 High: $73.00
Forward P/E
10.09
Forward EPS
$6.22
EPS Growth (est.)
+0.0%
Est. Revenue
200.40M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $6.64
$6.63 – $6.65
211.80M 1
FY2026 $6.22
$6.21 – $6.23
200.40M 1

Earnings Surprises

Last 8 quarters
Quarter Est. EPS Actual EPS Surprise
2026-01-21 $1.54 $1.62 +5.2%
2025-10-22 $1.31 $1.42 +8.4%
2025-09-11 N/A $1.40
2025-04-21 $1.29 $1.39 +7.8%
2025-01-27 $1.28 $1.30 +1.6%
2024-10-28 $1.11 $1.10 -0.9%
2024-09-13 N/A $1.20
2024-04-29 $1.04 $0.99 -4.8%

Insider Trading Activity

Buy ratio (90d) 0.0%
20 transactions
Date Insider Type Shares Price Value
Mar 4, 2026
Love Charles R
sell 580 $64.00 $37,120.00
Feb 24, 2026
Love Charles R
grant 400
Feb 24, 2026
Hensley Todd E.
grant 400
Feb 24, 2026
Tooley David J
grant 400
Feb 24, 2026
Robison Dennis C
grant 400
Feb 24, 2026
McClain David L
grant 400
Feb 24, 2026
BAGBY DOUGLAS
grant 400
Feb 24, 2026
Brooks Rebecca J
grant 400
Feb 24, 2026
McCoy Daniel Patrick
grant 400
Feb 24, 2026
BUTLER JANE
SVP/Chief Accounting Officer
grant 475
Feb 24, 2026
Jones Daniel Lee
grant 400
Feb 24, 2026
Chkautovich Stefan
CHIEF FINANCIAL OFFICER
grant 2,100
Feb 24, 2026
Bower Kenneth J
grant 400
Nov 20, 2025
Young William E
sell 1,500 $53.87 $80,801.25
Oct 20, 2025
Bower Kenneth J
grant 5,000
Oct 20, 2025
McCoy Daniel Patrick
grant 5,000
Sep 18, 2025
Young William E
sell 130
Sep 18, 2025
Young William E
buy 65
Jul 28, 2025
Young William E
sell 10,000 $56.30 $563,000.00
Jun 9, 2025
Young William E
sell 160,000

Dividend History

7 yr streak

Yield

0.02%

Payout Ratio

0.18%

Growth (3Y)

5.39%

Growth (5Y)

9.86%

Ex-Date Payment Date Amount Yield
Feb 13, 2026 Feb 27, 2026 $0.25 1.52%
Nov 14, 2025 Nov 28, 2025 $0.25 1.76%
Aug 15, 2025 Aug 29, 2025 $0.25 1.75%
May 15, 2025 May 30, 2025 $0.23 1.67%
Feb 14, 2025 Feb 28, 2025 $0.23 1.50%
Nov 15, 2024 Nov 29, 2024 $0.23 1.34%
Aug 15, 2024 Aug 30, 2024 $0.23 1.60%
May 14, 2024 May 31, 2024 $0.21 2.00%
Feb 14, 2024 Feb 29, 2024 $0.21 1.98%
Nov 14, 2023 Nov 30, 2023 $0.21 1.85%
Aug 14, 2023 Aug 31, 2023 $0.21 1.85%
May 12, 2023 May 31, 2023 $0.21 2.65%
Feb 14, 2023 Feb 28, 2023 $0.21 1.74%
Nov 14, 2022 Nov 30, 2022 $0.21 1.60%
Aug 12, 2022 Aug 31, 2022 $0.21 1.49%
May 12, 2022 May 31, 2022 $0.20 1.83%
Feb 14, 2022 Feb 28, 2022 $0.20 1.43%
Nov 12, 2021 Nov 30, 2021 $0.20 1.26%
Aug 12, 2021 Aug 31, 2021 $0.20 1.47%
May 13, 2021 May 28, 2021 $0.16 1.41%

Key Takeaways

Revenue grew 23.90% annually over 5 years — strong growth
Earnings grew 16.21% over the past year
ROE of 11.29% — decent returns on equity
Net margin of 19.10% shows strong profitability
Debt/Equity of 0.26 — conservative balance sheet
Generating 75.29M in free cash flow

Growth

Revenue Growth (5Y)
23.90%
Revenue (1Y)11.72%
Earnings (1Y)16.21%
FCF Growth (3Y)15.97%

Quality

Return on Equity
11.29%
ROIC8.08%
Net Margin19.10%
Op. Margin24.24%

Safety

Debt / Equity
0.26
Current Ratio1.09
Interest Coverage0.60

Valuation

P/E Ratio
11.89
Forward P/E10.09
P/B Ratio1.27
EV/EBITDA8.69
Dividend Yield0.02%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 11.72% Revenue Growth (3Y) 22.74%
Earnings Growth (1Y) 16.21% Earnings Growth (3Y) 21.91%
Revenue Growth (5Y) 23.90% Earnings Growth (5Y) 5.44%
Profitability
Revenue (TTM) 305.25M Net Income (TTM) 58.32M
ROE 11.29% ROA 1.16%
Gross Margin 57.68% Operating Margin 24.24%
Net Margin 19.10% Free Cash Flow (TTM) 75.29M
ROIC 8.08% FCF Growth (3Y) 15.97%
Safety
Debt / Equity 0.26 Current Ratio 1.09
Interest Coverage 0.60
Dividends
Dividend Yield 0.02% Payout Ratio 0.18%
Dividend Growth (3Y) 5.39% Dividend Growth (5Y) 9.86%
Consecutive Div Years 7 yrs
Valuation
P/E Ratio 11.89 Forward P/E 10.09
P/B Ratio 1.27 P/S Ratio 2.27
PEG Ratio 0.61 Forward PEG N/A
EV/EBITDA 8.69 Fwd EV/EBITDA 8.89
Forward P/S 3.46 Fwd Earnings Yield 9.91%
FCF Yield 10.86%
Market Cap 693.60M Enterprise Value 642.78M

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 305.25M 273.22M 202.62M 138.07M 129.52M
Net Income 58.32M 50.18M 39.24M 47.17M 47.18M
EPS (Diluted) 5.18 4.42 3.85 5.21 5.22
Gross Profit 176.08M 160.73M 135.89M 123.28M 113.75M
Operating Income 73.99M 63.11M 49.46M 59.90M 59.71M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 5.02B 4.60B 4.36B 3.21B 2.70B
Total Liabilities 4.47B 4.12B 3.91B 2.89B 2.42B
Shareholders' Equity 544.69M 488.75M 446.06M 320.77M 283.42M
Total Debt 142.28M 134.60M 156.62M 61.01M 72.77M
Cash & Equivalents 193.11M 61.40M 55.22M 91.56M 124.57M
Current Assets 4.70B 513.12M 491.65M 361.39M 360.27M
Current Liabilities 4.31B 3.97B 3.73B 2.82B 2.33B

Strategy Scores

This stock passed the criteria for 2 strategies

Score = fit strength (0–100)
Rank = position among all matches
#729 of 1058
36
#193 of 330
48

Recent Activity

Entered Cash Flow Compounder
Mar 24, 2026
Entered Growth at a Reasonable Price (Peter Lynch)
Mar 24, 2026